Emergency Fund Calculator
How big should your safety net be, how far are you from it, and how long until you close the gap?
Your inputs
Fund balance over time
Funding progress
Methodology & how to use this
How much coverage?
The classic guidance is 3–6 months of essential expenses. Dual-income households with stable jobs lean toward 3; single earners, commission-based income, or one-provider families lean toward 6 or 12.
Essential expenses only
Include rent/mortgage, utilities, groceries, insurance, minimum debt payments, and transportation. Skip discretionary spending — the point is to survive a rough patch, not maintain your full lifestyle.
Keep running the numbers
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